{"id":369,"date":"2025-10-12T18:00:00","date_gmt":"2025-10-12T09:00:00","guid":{"rendered":"https:\/\/yes0rich.com\/?p=369"},"modified":"2025-10-12T17:25:53","modified_gmt":"2025-10-12T08:25:53","slug":"cma-%ea%b3%84%ec%a2%8c-vs-%ec%98%88%c2%b7%ec%a0%81%ea%b8%88-%ec%96%b4%eb%94%94%ec%97%90-%eb%8f%88%ec%9d%84-%eb%84%a3%ec%96%b4%ec%95%bc-%ed%95%a0%ea%b9%8c-2025%eb%85%84-%ea%b8%88%ec%9c%b5-%eb%b9%84","status":"publish","type":"post","link":"https:\/\/yes0rich.com\/?p=369","title":{"rendered":"CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08, \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uae4c? (2025\ub144 \uae08\uc735 \ube44\uad50 \uac00\uc774\ub4dc)"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\ubaa9\ucc28<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\ubaa9\ucc28 \ud1a0\uae00\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/yes0rich.com\/?p=369\/#CMA_%EA%B3%84%EC%A2%8C_vs_%EC%98%88%C2%B7%EC%A0%81%EA%B8%88_%EC%96%B4%EB%94%94%EC%97%90_%EB%8F%88%EC%9D%84_%EB%84%A3%EC%96%B4%EC%95%BC_%ED%95%A0%EA%B9%8C_2025%EB%85%84_%EA%B8%88%EC%9C%B5_%EB%B9%84%EA%B5%90_%EA%B0%80%EC%9D%B4%EB%93%9C_%E2%9C%85_%EA%B8%88%EB%A6%AC_%EC%9C%A0%EB%8F%99%EC%84%B1_%EC%95%88%EC%A0%84%EC%84%B1_%EB%8B%A4_%EB%94%B0%EC%A0%B8%EB%B4%90%EC%95%BC_%ED%95%98%EB%8A%94_%EC%8B%9C%EB%8C%80\" >CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08, \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uae4c? (2025\ub144 \uae08\uc735 \ube44\uad50 \uac00\uc774\ub4dc) \u2705 \uae08\ub9ac, \uc720\ub3d9\uc131, \uc548\uc804\uc131 \ub2e4 \ub530\uc838\ubd10\uc57c \ud558\ub294 \uc2dc\ub300<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/yes0rich.com\/?p=369\/#%F0%9F%94%8D_CMA_%EA%B3%84%EC%A2%8C%EC%99%80_%EC%98%88%EC%A0%81%EA%B8%88_%ED%95%B5%EC%8B%AC_%EC%B0%A8%EC%9D%B4_%ED%95%9C%EB%88%88%EC%97%90_%EB%B3%B4%EA%B8%B0\" >\ud83d\udd0d CMA \uacc4\uc88c\uc640 \uc608\uc801\uae08, \ud575\uc2ec \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%85_1_CMA_%EA%B3%84%EC%A2%8C_%EC%9D%B4%EB%9F%B0_%EC%A0%90%EC%9D%B4_%EC%A2%8B%EB%8B%A4\" >\u2705 1. CMA \uacc4\uc88c, \uc774\ub7f0 \uc810\uc774 \uc88b\ub2e4<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%94%EF%B8%8F_%ED%95%98%EB%A3%A8%EB%A7%8C_%EB%A7%A1%EA%B2%A8%EB%8F%84_%EC%9D%B4%EC%9E%90_%EB%B0%9C%EC%83%9D\" >\u2714\ufe0f \ud558\ub8e8\ub9cc \ub9e1\uaca8\ub3c4 \uc774\uc790 \ubc1c\uc0dd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%94%EF%B8%8F_%EC%9E%85%EC%B6%9C%EA%B8%88_%EC%9E%90%EC%9C%A0\" >\u2714\ufe0f \uc785\ucd9c\uae08 \uc790\uc720<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%94%EF%B8%8F_%EC%A6%9D%EA%B6%8C%EC%82%AC_%EC%97%B0%EB%8F%99_%ED%98%9C%ED%83%9D\" >\u2714\ufe0f \uc99d\uad8c\uc0ac \uc5f0\ub3d9 \ud61c\ud0dd<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9D%8C_CMA_%EA%B3%84%EC%A2%8C%EC%9D%98_%EC%95%84%EC%89%AC%EC%9A%B4_%EC%A0%90\" >\u274c CMA \uacc4\uc88c\uc758 \uc544\uc26c\uc6b4 \uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%85_2_%EC%98%88%C2%B7%EC%A0%81%EA%B8%88_%EC%9D%B4%EB%9F%B0_%EC%A0%90%EC%9D%B4_%EA%B0%95%EB%A0%A5%ED%95%98%EB%8B%A4\" >\u2705 2. \uc608\u00b7\uc801\uae08, \uc774\ub7f0 \uc810\uc774 \uac15\ub825\ud558\ub2e4<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%94%EF%B8%8F_%EC%9B%90%EA%B8%88_%EC%9D%B4%EC%9E%90_%EB%B3%B4%EC%9E%A5\" >\u2714\ufe0f \uc6d0\uae08 + \uc774\uc790 \ubcf4\uc7a5<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%94%EF%B8%8F_%EC%A0%81%EA%B8%88%EC%9D%80_%EA%B8%88%EB%A6%AC_%EB%86%92%EC%9D%80_%EA%B2%BD%EC%9A%B0_%EB%A7%8E%EC%9D%8C\" >\u2714\ufe0f \uc801\uae08\uc740 \uae08\ub9ac \ub192\uc740 \uacbd\uc6b0 \ub9ce\uc74c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9D%8C_%EC%98%88%C2%B7%EC%A0%81%EA%B8%88%EC%9D%98_%EB%8B%A8%EC%A0%90\" >\u274c \uc608\u00b7\uc801\uae08\uc758 \ub2e8\uc810<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/yes0rich.com\/?p=369\/#%F0%9F%92%AC_%EC%8B%A4%EC%A0%84_%EC%83%81%ED%99%A9%EB%B3%84_%EC%B6%94%EC%B2%9C\" >\ud83d\udcac \uc2e4\uc804 \uc0c1\ud669\ubcc4 \ucd94\ucc9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/yes0rich.com\/?p=369\/#%F0%9F%93%8C_%EC%A0%84%EB%AC%B8%EA%B0%80_%ED%8C%81_%EB%91%90_%EA%B0%80%EC%A7%80%EB%A5%BC_%E2%80%9C%ED%95%A8%EA%BB%98%E2%80%9D_%EC%9A%B4%EC%98%81%ED%95%98%EB%9D%BC\" >\ud83d\udccc \uc804\ubb38\uac00 \ud301: \ub450 \uac00\uc9c0\ub97c \u201c\ud568\uaed8\u201d \uc6b4\uc601\ud558\ub77c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/yes0rich.com\/?p=369\/#%F0%9F%93%A2_%EB%8B%A8%EA%B8%B0_vs_%EC%9E%A5%EA%B8%B0_%EB%82%B4_%EC%83%81%ED%99%A9%EC%97%90_%EB%A7%9E%EA%B2%8C_%EC%84%A0%ED%83%9D%ED%95%98%EC%84%B8%EC%9A%94\" >\ud83d\udce2 \ub2e8\uae30 vs \uc7a5\uae30, \ub0b4 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud558\uc138\uc694!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/yes0rich.com\/?p=369\/#%E2%9C%85_%EC%B6%94%EA%B0%80_%ED%8C%81_%EB%91%98_%EB%8B%A4_%ED%99%9C%EC%9A%A9%ED%95%98%EB%8A%94_%E2%80%9C%ED%98%84%EC%8B%A4%EC%A0%81%EC%9D%B8_%EC%A0%84%EB%9E%B5%E2%80%9D%EC%9D%B4_%ED%95%84%EC%9A%94%ED%95%A9%EB%8B%88%EB%8B%A4\" >\u2705 \ucd94\uac00 \ud301: \ub458 \ub2e4 \ud65c\uc6a9\ud558\ub294 \u201c\ud604\uc2e4\uc801\uc778 \uc804\ub7b5\u201d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/yes0rich.com\/?p=369\/#%F0%9F%94%97_%EC%B6%94%EC%B2%9C_%EC%B0%B8%EA%B3%A0_%EB%A7%81%ED%81%AC\" >\ud83d\udd17 \ucd94\ucc9c \ucc38\uace0 \ub9c1\ud06c<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"CMA_%EA%B3%84%EC%A2%8C_vs_%EC%98%88%C2%B7%EC%A0%81%EA%B8%88_%EC%96%B4%EB%94%94%EC%97%90_%EB%8F%88%EC%9D%84_%EB%84%A3%EC%96%B4%EC%95%BC_%ED%95%A0%EA%B9%8C_2025%EB%85%84_%EA%B8%88%EC%9C%B5_%EB%B9%84%EA%B5%90_%EA%B0%80%EC%9D%B4%EB%93%9C_%E2%9C%85_%EA%B8%88%EB%A6%AC_%EC%9C%A0%EB%8F%99%EC%84%B1_%EC%95%88%EC%A0%84%EC%84%B1_%EB%8B%A4_%EB%94%B0%EC%A0%B8%EB%B4%90%EC%95%BC_%ED%95%98%EB%8A%94_%EC%8B%9C%EB%8C%80\"><\/span>CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08, \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uae4c? (2025\ub144 \uae08\uc735 \ube44\uad50 \uac00\uc774\ub4dc)<br>\u2705 \uae08\ub9ac, \uc720\ub3d9\uc131, \uc548\uc804\uc131 \ub2e4 \ub530\uc838\ubd10\uc57c \ud558\ub294 \uc2dc\ub300<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>2025\ub144\uc5d0\ub3c4 \uace0\uae08\ub9ac \uae30\uc870\ub294 \uc644\ub9cc\ud788 \uc720\uc9c0\ub418\uace0 \uc788\uc9c0\ub9cc,<br><strong>\uc608\u00b7\uc801\uae08 \uae08\ub9ac\uac00 3% \ub0b4\uc678\ub85c \ud558\ub77d\uc138<\/strong>\ub97c \ubcf4\uc774\uba74\uc11c<br>\ud83d\udca1 \u201c\uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ub354 \uc720\ub9ac\ud560\uae4c?\u201d \ud558\ub294 \uace0\ubbfc\uc774 \ub298\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uac00\uc7a5 \ub9ce\uc774 \ube44\uad50\ub418\ub294 \ub450 \uc0c1\ud488\uc740 \ubc14\ub85c:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CMA \uacc4\uc88c<\/strong> (\uc885\ud569\uc790\uc0b0\uad00\ub9ac\uacc4\uc88c)<\/li>\n\n\n\n<li><strong>\uc608\u00b7\uc801\uae08<\/strong> (\uc815\uae30\uc608\uae08, \uc801\ub9bd\uc2dd \uc801\uae08)<\/li>\n<\/ul>\n\n\n\n<figure class=\"gb-block-image gb-block-image-ecee1858\"><img decoding=\"async\" width=\"1080\" height=\"1080\" class=\"gb-image gb-image-ecee1858 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/CMA-\uacc4\uc88c-vs-\uc608\u00b7\uc801\uae08-1.jpg\" alt=\"\" title=\"CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08 1\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/CMA-\uacc4\uc88c-vs-\uc608\u00b7\uc801\uae08-1.jpg 1080w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/CMA-\uacc4\uc88c-vs-\uc608\u00b7\uc801\uae08-1-300x300.jpg 300w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/CMA-\uacc4\uc88c-vs-\uc608\u00b7\uc801\uae08-1-1024x1024.jpg 1024w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/CMA-\uacc4\uc88c-vs-\uc608\u00b7\uc801\uae08-1-150x150.jpg 150w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/CMA-\uacc4\uc88c-vs-\uc608\u00b7\uc801\uae08-1-768x768.jpg 768w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/1080;\" \/><\/figure>\n\n\n\n<p><br><br>\uc774\ubc88 \uae00\uc5d0\uc11c\ub294 <strong>\ucd08\ubcf4\uc790\ub3c4 \uc27d\uac8c \uc774\ud574\ud560 \uc218 \uc788\ub3c4\ub85d<\/strong><br>\u2714\ufe0f \uad6c\uc870\ubcc4 \ucc28\uc774<br>\u2714\ufe0f \uae08\ub9ac \ube44\uad50<br>\u2714\ufe0f \uc7a5\ub2e8\uc810<br>\u2714\ufe0f \uc0c1\ud669\ubcc4 \ucd94\ucc9c<br>\uae4c\uc9c0 \uc815\ub9ac\ud574\ub4dc\ub9b4\uac8c\uc694.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%8D_CMA_%EA%B3%84%EC%A2%8C%EC%99%80_%EC%98%88%EC%A0%81%EA%B8%88_%ED%95%B5%EC%8B%AC_%EC%B0%A8%EC%9D%B4_%ED%95%9C%EB%88%88%EC%97%90_%EB%B3%B4%EA%B8%B0\"><\/span>\ud83d\udd0d CMA \uacc4\uc88c\uc640 \uc608\uc801\uae08, \ud575\uc2ec \ucc28\uc774 \ud55c\ub208\uc5d0 \ubcf4\uae30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\ud56d\ubaa9<\/th><th>CMA \uacc4\uc88c<\/th><th>\uc608\u00b7\uc801\uae08<\/th><\/tr><\/thead><tbody><tr><td>\uc6b4\uc6a9\uae30\uad00<\/td><td>\uc99d\uad8c\uc0ac<\/td><td>\uc740\ud589, \uc800\ucd95\uc740\ud589 \ub4f1<\/td><\/tr><tr><td>\uc774\uc790 \uc9c0\uae09 \ubc29\uc2dd<\/td><td><strong>\ud558\ub8e8\ub9cc \ub123\uc5b4\ub3c4 \uc774\uc790 \uc9c0\uae09<\/strong><\/td><td><strong>\ub9cc\uae30 \ud6c4 \uc774\uc790 \uc218\ub839<\/strong><\/td><\/tr><tr><td>\uae08\ub9ac \uc218\uc900 (2025.10 \uae30\uc900)<\/td><td><strong>\uc5f0 2.0~2.3% (RP\ud615)<\/strong><\/td><td><strong>\uc608\uae08: 2.7~3.3% \/ \uc801\uae08: \ucd5c\ub300 4%<\/strong><\/td><\/tr><tr><td>\uc790\uae08 \uc720\ub3d9\uc131<\/td><td><strong>\uc785\ucd9c\uae08 \uc790\uc720\ub85c\uc6c0<\/strong><\/td><td><strong>\uc911\ub3c4 \ud574\uc9c0 \uc2dc \ubd88\uc774\uc775 \ubc1c\uc0dd<\/strong><\/td><\/tr><tr><td>\uc608\uae08\uc790\ubcf4\ud638<\/td><td>\u274c \ubcf4\ud638 \uc548 \ub428 (RP\ud615\uc740 \uc548\uc804\uc131 \ub192\uc74c)<\/td><td>\u2705 \uc608\uae08\uc790\ubcf4\ud638(5\ucc9c\ub9cc \uc6d0\uae4c\uc9c0)<\/td><\/tr><tr><td>\uc0ac\uc6a9 \ubaa9\uc801<\/td><td><strong>\ub2e8\uae30 \uc790\uae08, \uc0dd\ud65c\ube44, \ube44\uc0c1\uae08<\/strong><\/td><td><strong>\ubaa9\ub3c8 \ub9c8\ub828, \uc7a5\uae30 \uc800\ucd95<\/strong><\/td><\/tr><tr><td>\ucd5c\uc18c \uac00\uc785 \uc870\uac74<\/td><td>\uc5c6\uc74c<\/td><td>\uc77c\ubc18\uc801\uc73c\ub85c 10\ub9cc \uc6d0 \uc774\uc0c1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udccc \ud55c \ub208\uc5d0 \uc815\ub9ac\ud574\ubd10\uc694.<br>\ud83d\udc49 <strong>\uc9e7\uac8c \uad74\ub9b4 \ub3c8\uc740 CMA<\/strong>,<br>\ud83d\udc49 <strong>\ubaa9\ub3c8\uc744 \uc624\ub798 \ubb3b\uc5b4\ub458 \ub550 \uc608\u00b7\uc801\uae08\uc774 \uc720\ub9ac<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_1_CMA_%EA%B3%84%EC%A2%8C_%EC%9D%B4%EB%9F%B0_%EC%A0%90%EC%9D%B4_%EC%A2%8B%EB%8B%A4\"><\/span>\u2705 1. CMA \uacc4\uc88c, \uc774\ub7f0 \uc810\uc774 \uc88b\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%94%EF%B8%8F_%ED%95%98%EB%A3%A8%EB%A7%8C_%EB%A7%A1%EA%B2%A8%EB%8F%84_%EC%9D%B4%EC%9E%90_%EB%B0%9C%EC%83%9D\"><\/span>\u2714\ufe0f \ud558\ub8e8\ub9cc \ub9e1\uaca8\ub3c4 \uc774\uc790 \ubc1c\uc0dd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc608\uae08\uc740 \ub9cc\uae30\uae4c\uc9c0 \uae30\ub2e4\ub824\uc57c \ud558\uc9c0\ub9cc,<br>CMA\ub294 \ud558\ub8e8 \ub2e8\uc704\ub85c \uc774\uc790\uac00 \ubc1c\uc0dd\ud574 <strong>\uc720\ub3d9\uc790\uae08 \uad00\ub9ac\uc5d0 \ucd5c\uc801<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%94%EF%B8%8F_%EC%9E%85%EC%B6%9C%EA%B8%88_%EC%9E%90%EC%9C%A0\"><\/span>\u2714\ufe0f \uc785\ucd9c\uae08 \uc790\uc720<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc790\uc720\ub86d\uac8c \ub3c8\uc744 \ub123\uace0 \ube7c\uba74\uc11c\ub3c4 \uc774\uc790 \ubc1c\uc0dd<\/li>\n\n\n\n<li><strong>\ube44\uc0c1\uae08, \uc0dd\ud65c\ube44 \ubcf4\uad00\uc6a9<\/strong>\uc73c\ub85c \uc801\ud569<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%94%EF%B8%8F_%EC%A6%9D%EA%B6%8C%EC%82%AC_%EC%97%B0%EB%8F%99_%ED%98%9C%ED%83%9D\"><\/span>\u2714\ufe0f \uc99d\uad8c\uc0ac \uc5f0\ub3d9 \ud61c\ud0dd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc8fc\uc2dd\uacc4\uc88c, \uccb4\ud06c\uce74\ub4dc, \uc790\ub3d9\uc774\uccb4 \uae30\ub2a5 \ub4f1 <strong>\uc740\ud589\uacfc \ub3d9\uc77c\ud55c \ud3b8\uc758\uc131<\/strong> \uc81c\uacf5<\/li>\n\n\n\n<li>\ud22c\uc790 \ub300\uae30\uc790\uae08 \ud1b5\uc7a5\uc73c\ub85c\ub3c4 \uc720\uc6a9<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_CMA_%EA%B3%84%EC%A2%8C%EC%9D%98_%EC%95%84%EC%89%AC%EC%9A%B4_%EC%A0%90\"><\/span>\u274c CMA \uacc4\uc88c\uc758 \uc544\uc26c\uc6b4 \uc810<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc608\uae08\uc790\ubcf4\ud638 \ub300\uc0c1\uc774 \uc544\ub2d8<\/strong> \u2192 \ubd88\uc548\ud558\uba74 \ubd80\uc801\ud569<\/li>\n\n\n\n<li><strong>\uae08\ub9ac\uac00 \uace0\uc815\uc774 \uc544\ub2c8\ub77c \ubcc0\ub3d9<\/strong> \u2192 \uc2dc\uc911 \uae08\ub9ac \ub530\ub77c \uc218\uc2dc\ub85c \ubc14\ub01c<\/li>\n\n\n\n<li><strong>\ubcf5\ub9ac \ud61c\ud0dd\uc774 \uc801\uc74c<\/strong> \u2192 \uc7a5\uae30 \uc790\uc0b0 \uc99d\uc2dd\uc5d0\ub294 \ubd88\ub9ac<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_2_%EC%98%88%C2%B7%EC%A0%81%EA%B8%88_%EC%9D%B4%EB%9F%B0_%EC%A0%90%EC%9D%B4_%EA%B0%95%EB%A0%A5%ED%95%98%EB%8B%A4\"><\/span>\u2705 2. \uc608\u00b7\uc801\uae08, \uc774\ub7f0 \uc810\uc774 \uac15\ub825\ud558\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%94%EF%B8%8F_%EC%9B%90%EA%B8%88_%EC%9D%B4%EC%9E%90_%EB%B3%B4%EC%9E%A5\"><\/span>\u2714\ufe0f \uc6d0\uae08 + \uc774\uc790 \ubcf4\uc7a5<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\uc815\ud574\uc9c4 \uae30\uac04, \uc815\ud574\uc9c4 \uae08\ub9ac\ub85c \uc548\uc815\uc801\uc778 \uc218\uc775 \ud655\ubcf4<\/strong><\/li>\n\n\n\n<li>**\uc608\uae08\uc790\ubcf4\ud638(5\ucc9c\ub9cc \uc6d0)**\uac00 \uc801\uc6a9\ub3fc \uc548\uc804\uc131 \ub9e4\uc6b0 \ub192\uc74c<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%94%EF%B8%8F_%EC%A0%81%EA%B8%88%EC%9D%80_%EA%B8%88%EB%A6%AC_%EB%86%92%EC%9D%80_%EA%B2%BD%EC%9A%B0_%EB%A7%8E%EC%9D%8C\"><\/span>\u2714\ufe0f \uc801\uae08\uc740 \uae08\ub9ac \ub192\uc740 \uacbd\uc6b0 \ub9ce\uc74c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud2b9\ud788 <strong>\uccad\ub144 \uc6b0\ub300 \uc801\uae08, \ud2b9\ud310 \uc801\uae08<\/strong>\uc740 4~5% \uae08\ub9ac\ub3c4 \uc874\uc7ac<\/li>\n\n\n\n<li>\ub9cc\uae30\uae4c\uc9c0 \uc720\uc9c0\ud558\uba74 <strong>\ubcf5\ub9ac \ud6a8\uacfc\uae4c\uc9c0 \uae30\ub300 \uac00\ub2a5<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_%EC%98%88%C2%B7%EC%A0%81%EA%B8%88%EC%9D%98_%EB%8B%A8%EC%A0%90\"><\/span>\u274c \uc608\u00b7\uc801\uae08\uc758 \ub2e8\uc810<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc911\ub3c4 \ud574\uc9c0\ud558\uba74 <strong>\uc774\uc790 \uac70\uc758 \ubabb \ubc1b\uac70\ub098 \ud398\ub110\ud2f0 \ubc1c\uc0dd<\/strong><\/li>\n\n\n\n<li>\uc720\ub3d9\uc131\uc774 \ub5a8\uc5b4\uc838\uc11c <strong>\ube44\uc0c1\uc790\uae08 \uc6a9\ub3c4\ub85c \ubd80\uc801\uc808<\/strong><\/li>\n\n\n\n<li>\uc77c\uc815 \uae30\uac04 \uc790\uae08\uc774 \ubb36\uc5ec <strong>\uae34\uae09 \uc790\uae08 \uc6b4\uc6a9 \uc5b4\ub824\uc6c0<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%AC_%EC%8B%A4%EC%A0%84_%EC%83%81%ED%99%A9%EB%B3%84_%EC%B6%94%EC%B2%9C\"><\/span>\ud83d\udcac \uc2e4\uc804 \uc0c1\ud669\ubcc4 \ucd94\ucc9c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc0c1\ud669<\/th><th>\ucd94\ucc9c \uc0c1\ud488<\/th><\/tr><\/thead><tbody><tr><td>\uc6d4\uae09\uc5d0\uc11c \uc0dd\ud65c\ube44\ub9cc \ubd84\ub9ac\ud574 \uc4f0\uace0 \uc2f6\ub2e4<\/td><td>\u2705 <strong>CMA \uacc4\uc88c<\/strong><\/td><\/tr><tr><td>3~6\uac1c\uc6d4\uce58 \ube44\uc0c1\uae08\uc744 \ubcf4\uad00\ud558\uace0 \uc2f6\ub2e4<\/td><td>\u2705 <strong>CMA \uacc4\uc88c (RP\ud615)<\/strong><\/td><\/tr><tr><td>1\ub144 \uc774\uc0c1 \ubaa9\ub3c8\uc744 \uc548\uc804\ud558\uac8c \ubd88\ub9ac\uace0 \uc2f6\ub2e4<\/td><td>\u2705 <strong>\uc815\uae30\uc608\uae08<\/strong><\/td><\/tr><tr><td>\ub9e4\ub2ec \uc800\ucd95\ud574\uc11c \ub9cc\uae30 \ub54c \ud070 \ub3c8\uc744 \ub9cc\ub4e4\uace0 \uc2f6\ub2e4<\/td><td>\u2705 <strong>\uc801\ub9bd\uc2dd \uc801\uae08<\/strong><\/td><\/tr><tr><td>\uc608\uae08\uc790\ubcf4\ud638\uac00 \uc911\uc694\ud558\ub2e4<\/td><td>\u2705 <strong>\uc608\u00b7\uc801\uae08<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_%EC%A0%84%EB%AC%B8%EA%B0%80_%ED%8C%81_%EB%91%90_%EA%B0%80%EC%A7%80%EB%A5%BC_%E2%80%9C%ED%95%A8%EA%BB%98%E2%80%9D_%EC%9A%B4%EC%98%81%ED%95%98%EB%9D%BC\"><\/span>\ud83d\udccc \uc804\ubb38\uac00 \ud301: \ub450 \uac00\uc9c0\ub97c \u201c\ud568\uaed8\u201d \uc6b4\uc601\ud558\ub77c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ud83d\udca1 \uc2e4\uc81c\ub85c\ub294 <strong>CMA\uc640 \uc608\u00b7\uc801\uae08\uc744 \ubcd1\ud589<\/strong>\ud558\ub294 \uc804\ub7b5\uc774 \uac00\uc7a5 \ud6a8\uc728\uc801\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u2714\ufe0f <strong>CMA<\/strong>: \ub2e8\uae30 \uc720\ub3d9\uc790\uae08, \ube44\uc0c1\uae08, \uc18c\ube44\uc131 \uc9c0\ucd9c \ud1b5\uc7a5<br>\u2714\ufe0f <strong>\uc608\u00b7\uc801\uae08<\/strong>: \ubaa9\ud45c \uc790\uae08, \ubaa9\ub3c8 \ud615\uc131, \uc548\uc815\uc801 \uc790\uc0b0 \uc6b4\uc6a9<\/p>\n<\/blockquote>\n\n\n\n<p>\uc608\uc2dc \uc804\ub7b5<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc6d4\uae09 \u2192 \uc8fc\uacc4\uc88c \uc218\ub839<br>\u2192 \uc0dd\ud65c\ube44 \uc790\ub3d9 \uc774\uccb4 \u2192 <strong>CMA \ud1b5\uc7a5<\/strong><br>\u2192 \ub0a8\uc740 \uc790\uae08 \u2192 <strong>\uace0\uc815\uc9c0\ucd9c\uc6a9 \uc608\uae08 or \uc801\uae08<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\uc774\ub807\uac8c \ud1b5\uc7a5\uc744 \uae30\ub2a5\ubcc4\ub85c \ub098\ub204\uba74<br>\u2714\ufe0f \uc790\uc0b0 \ud750\ub984\uc774 \uba85\ud655\ud574\uc9c0\uace0,<br>\u2714\ufe0f \ub3c8\uc774 \u2018\uc0cc\ub2e4\u2019\ub294 \ub290\ub08c \uc5c6\uc774 \ubaa8\uc774\uae30 \uc2dc\uc791\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%A2_%EB%8B%A8%EA%B8%B0_vs_%EC%9E%A5%EA%B8%B0_%EB%82%B4_%EC%83%81%ED%99%A9%EC%97%90_%EB%A7%9E%EA%B2%8C_%EC%84%A0%ED%83%9D%ED%95%98%EC%84%B8%EC%9A%94\"><\/span>\ud83d\udce2 \ub2e8\uae30 vs \uc7a5\uae30, \ub0b4 \uc0c1\ud669\uc5d0 \ub9de\uac8c \uc120\ud0dd\ud558\uc138\uc694!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>CMA \uacc4\uc88c\uc640 \uc608\u00b7\uc801\uae08\uc740 \uc11c\ub85c \ub300\uccb4\uc7ac\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/strong><br>\u2714\ufe0f \ub3c8\uc758 \u2018\ubaa9\uc801\u2019\uacfc \u2018\uae30\uac04\u2019\uc5d0 \ub530\ub77c <strong>\uc11c\ub85c \ubcf4\uc644\uc7ac<\/strong>\ub85c \uc6b4\uc601\ud558\ub294 \uac83\uc774<br>\uac00\uc7a5 \ud569\ub9ac\uc801\uc774\uace0 \ud6a8\uc728\uc801\uc778 \uc790\uc0b0\uad00\ub9ac \ubc29\ubc95\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\uc790\uae08 \ubaa9\uc801<\/th><th>\ucd94\ucc9c \uc0c1\ud488<\/th><\/tr><\/thead><tbody><tr><td>\ub2f9\uc7a5 \uc4f8 \ub3c8, \uc0dd\ud65c\ube44, \uc720\ub3d9\uc131 \ud655\ubcf4<\/td><td>CMA \uacc4\uc88c<\/td><\/tr><tr><td>\uba87 \uac1c\uc6d4 \ubcf4\uad00\ud560 \ube44\uc0c1\uae08<\/td><td>CMA \uacc4\uc88c (RP\ud615 \ucd94\ucc9c)<\/td><\/tr><tr><td>1\ub144 \uc774\uc0c1 \ubb3b\uc5b4\ub458 \uc790\uae08<\/td><td>\uc608\uae08 or \uc801\uae08<\/td><\/tr><tr><td>\ubaa9\ud45c \uc790\uae08 \ud615\uc131<\/td><td>\uc801\ub9bd\uc2dd \uc801\uae08 + \uc6b0\ub300\uae08\ub9ac \uc0c1\ud488<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83c\udfaf <strong>\uc989\uc2dc \uc778\ucd9c \uac00\ub2a5\ud55c \uc790\uae08\uc740 CMA\uc5d0,<br>\uc808\ub300 \uae68\uc9c0 \ub9d0\uc544\uc57c \ud560 \uc790\uae08\uc740 \uc608\u00b7\uc801\uae08\uc5d0.<\/strong><\/p>\n\n\n\n<p><strong>\uc774 \ub458\uc744 \uc801\uc808\ud788 \ubc30\ubd84\ud558\uace0 \uc790\ub3d9\ud654<\/strong>\ud558\uba74<br>\u2714\ufe0f \uacfc\uc18c\ube44\ub97c \ub9c9\uace0<br>\u2714\ufe0f \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc790\uc0b0\uc774 \uc313\uc774\uac8c \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_%EC%B6%94%EA%B0%80_%ED%8C%81_%EB%91%98_%EB%8B%A4_%ED%99%9C%EC%9A%A9%ED%95%98%EB%8A%94_%E2%80%9C%ED%98%84%EC%8B%A4%EC%A0%81%EC%9D%B8_%EC%A0%84%EB%9E%B5%E2%80%9D%EC%9D%B4_%ED%95%84%EC%9A%94%ED%95%A9%EB%8B%88%EB%8B%A4\"><\/span>\u2705 \ucd94\uac00 \ud301: \ub458 \ub2e4 \ud65c\uc6a9\ud558\ub294 \u201c\ud604\uc2e4\uc801\uc778 \uc804\ub7b5\u201d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\ub9ce\uc740 \ubd84\ub4e4\uc774 <strong>\u201c\uc5b4\ub514\uc5d0 \ub123\uc73c\uba74 \ub354 \ub9ce\uc774 \uc774\uc790\uac00 \ubd99\uc744\uae4c?\u201d<\/strong>\ub9cc \uace0\ubbfc\ud558\uc9c0\ub9cc,<br>\uc0ac\uc2e4 \uc911\uc694\ud55c \uac74 <strong>\ub098\uc758 \uc0c1\ud669\uacfc \uae08\uc735 \uc2b5\uad00\uc5d0 \ub9de\ub294 \uc804\ub7b5\uc744 \uc138\uc6b0\ub294 \uac83<\/strong>\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\uc608\ub97c \ub4e4\uc5b4,<br>\ud83d\udc49 \ub9e4\uc6d4 \uace0\uc815 \uc9c0\ucd9c\uc740 \uc608\uae08 \ud1b5\uc7a5\uc5d0\uc11c \uc774\uccb4\ub418\uace0,<br>\ud83d\udc49 \uc0dd\ud65c\ube44\ub294 CMA \ud1b5\uc7a5\uc73c\ub85c \ubd84\ub9ac\ud574 \uc18c\ube44 \ud750\ub984\uc744 \ucd94\uc801\ud558\uace0,<br>\ud83d\udc49 \ub0a8\ub294 \ub3c8\uc740 \uc815\uae30\uc801\uae08\uc73c\ub85c \ubb36\uc5b4\ub450\uba74<br><strong>\uc18c\ube44 \ud1b5\uc81c + \uc218\uc775 + \uc800\ucd95 \uc138 \uac00\uc9c0\ub97c \ub3d9\uc2dc\uc5d0 \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uad6c\uc870<\/strong>\uac00 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub610\ud55c, CMA \uacc4\uc88c\ub294 \uc8fc\uc2dd\/ETF \uacc4\uc88c\uc640 \uc5f0\ub3d9\uc774 \uc26c\uc6cc\uc11c<br>\ucc28\ud6c4 <strong>\ucd08\ubcf4 \ud22c\uc790\uc790\ub85c \ub118\uc5b4\uac08 \ub54c\ub3c4 \uc790\uc5f0\uc2a4\ub7ec\uc6b4 \uc5f0\uacb0 \ud1b5\ub85c<\/strong>\uac00 \ub418\uc5b4\uc90d\ub2c8\ub2e4.<br>\uc989, <strong>CMA\ub294 \ub2e8\uc21c\ud55c \ud1b5\uc7a5\uc774 \uc544\ub2c8\ub77c \u201c\uae08\uc735 \uc785\ubb38\uc790\uc758 \ucd9c\ubc1c\uc810\u201d<\/strong>\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p>\ub2f9\uc7a5\uc758 \uae08\ub9ac\ub9cc \ube44\uad50\ud558\ub294 \ub370 \uadf8\uce58\uc9c0 \ub9d0\uace0,<br><strong>\ub0b4 \ub3c8\uc758 \ud750\ub984\uacfc \ubaa9\uc801\uc5d0 \ub530\ub77c \ucd5c\uc801\uc758 \ud3ec\uc9c0\uc158\uc744 \ubc30\uce58\ud574\ubcf4\uc138\uc694.<\/strong><br>\uadf8\uac8c \uc9c4\uc9dc \u2018\ub3c8\uc744 \uad00\ub9ac\ud558\ub294 \uc0ac\ub78c\u2019\uc774 \ub418\ub294 \uccab\uac78\uc74c\uc785\ub2c8\ub2e4. \ud83d\udca1<\/p>\n\n\n\n<p><br><br>\uc5ec\uae30\uae4c\uc9c0, CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08, \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uae4c? (2025\ub144 \uae08\uc735 \ube44\uad50 \uac00\uc774\ub4dc)\uc600\uc2b5\ub2c8\ub2e4.<br>\ub354 \uc88b\uc740 \uae00\ub85c \ucc3e\uc544\uc62c\uac8c\uc694.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%97_%EC%B6%94%EC%B2%9C_%EC%B0%B8%EA%B3%A0_%EB%A7%81%ED%81%AC\"><\/span><br>\ud83d\udd17 \ucd94\ucc9c \ucc38\uace0 \ub9c1\ud06c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/fine.fss.or.kr\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uc18c\ube44\uc790 \uc815\ubcf4\ud3ec\ud138 \ud30c\uc778<\/a> \u2013 \uae08\uc735\uc0c1\ud488 \ube44\uad50<\/li>\n\n\n\n<li><a href=\"https:\/\/securities.miraeasset.com\" target=\"_blank\" rel=\"noopener\">\ubbf8\ub798\uc5d0\uc14b\uc99d\uad8c CMA \uc548\ub0b4<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/obank.kbstar.com\/quics?page=C018223\" target=\"_blank\" rel=\"noopener\">KB\uad6d\ubbfc\uc740\ud589 \uc608\uc801\uae08 \uc0c1\ud488<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.wooribank.com\" target=\"_blank\" rel=\"noopener\">\uc6b0\ub9ac\uc740\ud589 \ud2b9\ud310 \uc801\uae08<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bok.or.kr\" target=\"_blank\" rel=\"noopener\">\ud55c\uad6d\uc740\ud589 \uae30\uc900\uae08\ub9ac \ud604\ud669<\/a><\/li>\n<\/ul>\n\n\n\n<figure class=\"gb-block-image gb-block-image-c2be5c27\"><a href=\"https:\/\/fine.fss.or.kr\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"634\" height=\"191\" class=\"gb-image gb-image-c2be5c27 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/cma-\uacc4\uc88c\ub7805-1.jpg\" alt=\"\" title=\"cma \uacc4\uc88c\ub7805\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/cma-\uacc4\uc88c\ub7805-1.jpg 634w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/cma-\uacc4\uc88c\ub7805-1-300x90.jpg 300w\" data-sizes=\"(max-width: 634px) 100vw, 634px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 634px; --smush-placeholder-aspect-ratio: 634\/191;\" \/><\/a><\/figure>\n\n\n\n<figure class=\"gb-block-image gb-block-image-00216643\"><a href=\"https:\/\/securities.miraeasset.com\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"614\" height=\"198\" class=\"gb-image gb-image-00216643 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/cma-\uacc4\uc88c\ub7802-2.jpg\" alt=\"\" title=\"cma \uacc4\uc88c\ub7802\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/cma-\uacc4\uc88c\ub7802-2.jpg 614w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/cma-\uacc4\uc88c\ub7802-2-300x97.jpg 300w\" data-sizes=\"(max-width: 614px) 100vw, 614px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 614px; --smush-placeholder-aspect-ratio: 614\/198;\" \/><\/a><\/figure>\n\n\n\n<figure class=\"gb-block-image gb-block-image-6f9e32d8\"><a href=\"https:\/\/obank.kbstar.com\/quics?page=C018223\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"593\" height=\"160\" class=\"gb-image gb-image-6f9e32d8 lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/KB\uad6d\ubbfc.jpg\" alt=\"\" title=\"KB\uad6d\ubbfc\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/KB\uad6d\ubbfc.jpg 593w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/KB\uad6d\ubbfc-300x81.jpg 300w\" data-sizes=\"(max-width: 593px) 100vw, 593px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 593px; --smush-placeholder-aspect-ratio: 593\/160;\" \/><\/a><\/figure>\n\n\n\n<figure class=\"gb-block-image gb-block-image-56bb3d8f\"><a href=\"https:\/\/www.wooribank.com\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"649\" height=\"206\" class=\"gb-image gb-image-56bb3d8f lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc6b0\ub9ac\uc740\ud589.jpg\" alt=\"\" title=\"\uc6b0\ub9ac\uc740\ud589\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc6b0\ub9ac\uc740\ud589.jpg 649w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\uc6b0\ub9ac\uc740\ud589-300x95.jpg 300w\" data-sizes=\"(max-width: 649px) 100vw, 649px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 649px; --smush-placeholder-aspect-ratio: 649\/206;\" \/><\/a><\/figure>\n\n\n\n<figure class=\"gb-block-image gb-block-image-823f0a7e\"><a href=\"https:\/\/www.bok.or.kr\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"628\" height=\"176\" class=\"gb-image gb-image-823f0a7e lazyload\" data-src=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\ud55c\uad6d\uc740\ud589.jpg\" alt=\"\" title=\"\ud55c\uad6d\uc740\ud589\" data-srcset=\"https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\ud55c\uad6d\uc740\ud589.jpg 628w, https:\/\/yes0rich.com\/wp-content\/uploads\/2025\/10\/\ud55c\uad6d\uc740\ud589-300x84.jpg 300w\" data-sizes=\"(max-width: 628px) 100vw, 628px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 628px; --smush-placeholder-aspect-ratio: 628\/176;\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08, \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uae4c? (2025\ub144 \uae08\uc735 \ube44\uad50 \uac00\uc774\ub4dc)\u2705 \uae08\ub9ac, \uc720\ub3d9\uc131, \uc548\uc804\uc131 \ub2e4 \ub530\uc838\ubd10\uc57c \ud558\ub294 \uc2dc\ub300 2025\ub144\uc5d0\ub3c4 &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08, \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uae4c? (2025\ub144 \uae08\uc735 \ube44\uad50 \uac00\uc774\ub4dc)\" class=\"read-more button\" href=\"https:\/\/yes0rich.com\/?p=369#more-369\" aria-label=\"CMA \uacc4\uc88c vs \uc608\u00b7\uc801\uae08, \uc5b4\ub514\uc5d0 \ub3c8\uc744 \ub123\uc5b4\uc57c \ud560\uae4c? (2025\ub144 \uae08\uc735 \ube44\uad50 \uac00\uc774\ub4dc)\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\uc790\uc138\ud788 \ubcf4\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[133,135,143,144,145,146,147,149,150,151],"class_list":["post-369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-policy-information","tag-cma","tag-rpcma","tag-143","tag-144","tag-145","tag-146","tag-147","tag-149","tag-150","tag-151","resize-featured-image"],"_links":{"self":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=369"}],"version-history":[{"count":1,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/369\/revisions"}],"predecessor-version":[{"id":376,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/posts\/369\/revisions\/376"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=\/wp\/v2\/media\/370"}],"wp:attachment":[{"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yes0rich.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}